[removed]

The claim has already been processed. Do you think they just made a mistake? Should I prepare for them to come after me?

Yep. Have to be disciplined and not just go "bank says I can get this big of a home" and buy that big of a home.

If you're starting at the higher salary, there's so much that it can be raised whereas with your current employer it sounds like you might be capped.

Hopefully by late this afternoon, but it wouldn't suprise me if it's overnight either.

If the POA authorized the transactions it doesn't matter.

If the banks had to wipe away debt from every gullible person there would be no reason to be careful, if there was even a .001% chance that a scam was real you may as well participate and hope because you have no risk.

The other factor is how long ago it was. Any evidence is long gone. I don't see you not being stuck with this unless you implicate your father.

Generally I would suggest move for greater opportunity instead of money. Even a lateral may be a good career move. 10%will be shallow if you have to work in a toxic environment or for a douchebag. Dont pay attention to someone stated standard blah blah blah There is no such thing Its about what your gut is telling you Good luck

Fiancé wanted to take my last name lol. We are 100% on the same page with me keeping my maiden name. It helps me stay connected to my heritage and I have a doctoral degree and that’s the last name I got the doctorate with so it’s sentimental in that name. The cherry on top is for my job changing my name is a pain in the ass.

I’d aim for 20% to leave. Especially with high inflation, and shaky job market.

That said, it sounds like this job has a 10%+ year end bonus, so this does come out to around 20%.

I'm jumping in the comments to say that I admire you. Your ambition, planning, and desire to execute your vision efficiently is commendable. Keep going.

What the bank is willing to lend you and what the reality is of what you can afford given all of your other priorities are 2 very different things and a lot of people lose sight of that.

You need to factor in everything including the 401k benefit differences. But the other thing, how does future advancement, career growth, and culture compare between the companies?

[removed]

My minimum payments amount to virtually nothing because of late fees and my ever so increasing interest

https://www.reddit.com/r/personalfinance/wiki/commontopics

Care to elaborate?

Marriage is old fashioned but still doing that, lol. I know this isn't relationship advice sub, but make sure he's ok with that and he doesn't take it the wrong way, like you not liking his name or something. I have a family member that did this. I never understood it, but each couple is certainly allowed to do what they want.

It was due to fraud, deceptive marketing

In the biological sciences, you really need the PhD to maximize income.

Toxicologists are in high demand right now, and 6 figs with a PhD is pretty easily doable.

Is the vehicle titled and registered to you, or your mom in Oregon? It sounds like it is titled/registered to you. Regardless if you are listed as a driver on your moms policy or not, they are going to unfortunately deny your claim to total your vehicle. Insurance has to be written under the name of the vehicle owner. If it is not, then that is what is called "breach of declaration", and your claim can, and will usually be denied. Your mom has no legal ownership of the vehicle, so she cannot legally insure it on her policy.

The debt at that time from what I can tell was being paid on a monthly payment plan at that point, but had not been fully paid when the second parent passed away.

Right. The small risk you run is that the strike price on June 30 is something high (for easy math, say it's $100) and then your CEO gets discovered on July 1 to be snorting coke off his CFO's belly while the board is lighting cigars with sawbucks and watching and the stock price tumbles to $50 while your shares are not yet sellable in your account because they haven't settled yet.

His team is pretty responsive. I hope it translates to results for you :)

Lots of people were saying take the higher rate today and then refinance later if rates go down, but the same is true if you take the lower rate today and rates go down. You can refinance an ARM just like you can refinance a fixed.

Mortgage rates haven't been this high since the 80s. Nobody can predict the future, but I don't expect they're going to stay this high for the next 30 years.

Taking the fixed rate mortgage is a great decision when rates are low, but rates aren't low.

I'd take the guaranteed lower rate for the next 7 years.

high chance of failure... guaranteed elevated stress levels with those numbers